54 Concord Trl, Murphy, NC 28906 Property Records

Cherokee County property record for 54 Concord Trl, Murphy, NC 28906

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,152 sqft · built 1984
Lot Size	0.719 acres (31,363 sqft)
Owner	Individual Name on File
Last Sale	$87,500 (Nov 2017)
Tax Bill	$615 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`457300943930000`

Property Details

APN / Parcel Number

Primary APN	`457300943930000`
Alternative APNs	`457300943804000` `46625`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,152 sqft Heated Area
Upper Floors Area	1,011 sqft
Interior Walls	Plaster
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,363 sqft (0.719 acres)
Lot Dimensions	327 ft deep x 62 ft wide

Exterior Amenities

Porch	Open Porch
Porch Area	264 sqft
Patio Area	150 sqft
Shed	1 Shed
Shed Area	42 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	46625
Street Address	54 CONCORD TRL
City	MURPHY
State	NC
Zip	28906-5854
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P/O TR 12 GRAPE CREEK ESTATES P/O 1573/487 A/57
Legal Subdivision	GRAPE CREEK EST
Legal Tract	12
Jurisdiction	CHEROKEE NC
Township / Civil Division	MURPHY
Census Block Group	1
Census Block	1116
Census Tract	930300

Owner

Source: Cherokee County records · APN 457300943930000

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	54 CONCORD TRL, MURPHY, NC 28906-5854
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 20, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Nov 03, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 03, 2017 · Amount on Record
Deed Sale	Nov 03, 2017 · Amount on Record
Deed Document Number	05146
Deed Book / Page	01573 / 0487
Record Updated	Jun 08, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	54 CONCORD TRL, MURPHY, NC 28906-5854
Transaction Type	Mortgage
Record Updated	Oct 10, 2025
Title Company	DO NO USE, LENDERS RECORDING SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01749/1196
Date	Jan 17, 2024
Book Page	1749/1196
Instrument	228

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	PO BOX 25279, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Change Frequency	Monthly

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHEROKEE NC
Property Address	54 CONCORD TRL, MURPHY, NC 28906-5854
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 CONCORD TRL, MURPHY, NC 28906-5854

Mortgage

Document Number	001727/124
Date	Dec 20, 2022
Book Page	1727/124
Instrument	7890

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2053

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHEROKEE NC
Recording Date	Nov 03, 2017
Property Address	54 CONCORD TRL, MURPHY, NC 28906-5854
Document Number	01573/0487
Book / Page	01573 / 0487
Instrument Date	Nov 03, 2017
Instrument	05146
Transaction Type	Transfer
Record Updated	Oct 10, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54 CONCORD TRL, MURPHY, NC 28906-5854

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 CONCORD TRL, MURPHY, NC 28906-5854

Mortgage

Document Number	0000005147
Date	Nov 03, 2017
Instrument	05147

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6%
Index	Other
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: Cherokee County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cherokee County
Unified School District	Cherokee County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$615.00	$79,150 (-4.87%)	$79,150 (-4.87%) Land $9,450 Building $69,700
2023		$83,200	$83,200 Land $13,500 Building $69,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cherokee County (37039C), updated February 5, 2020 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370399303001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2018 · rainfall accumulation

Wildfire

Wildfire Risk	Moderate above 68% of the US · above 91% of North Carolina
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 31 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Blue Ridge Mountain Electric Membership Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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